Acceptance depends upon your answers to a few health and lifestyle questions.

No - there are no forms to fill in or questions about your health and lifestyle.

No - there are no forms to fill in or questions about your health and lifestyle.

Do I need a medical, blood test or visit to my GP?

No - there are no medicals or blood tests, and we will not contact your doctor when you apply.

No - there are no medicals or blood tests, and we will not contact your doctor when you apply.

No - there are no medicals or blood tests, and we will not contact your doctor when you apply.

Am I covered for death by any cause?

Yes - except for self-inflicted deaths which are excluded in the first 12 months.

Yes - After your policy has been in force for 24 months.

No

Am I covered for death by accident?

You are covered for accidental death from day one.

You are covered for accidental death from day one. If death is the result of an accident, then three times the benefit amount will be paid, or if greater, the total premiums that have been paid towards a life insured’s cover (the Lifetime Payback Guarantee® amount).

You are covered for accidental death from day one. Additionally you are covered for the following injuries within 12 months as a direct result of an accident. Blindness - permanent and irreversible, deafness - permanent and irreversible, or total and permanent loss of use of two limbs.

Can I add a partner to my Policy?

You can apply for a single plan or you can apply to include your partner under a joint plan and you can each choose individual benefit amounts.

You can apply for a single plan or you can apply to include your partner under a joint plan and you can each choose individual benefit amounts.

You can apply for a single plan or you can apply to include your partner under a joint plan and you can each choose individual benefit amounts.

Can I add children to my Policy?

For a small additional premium, you can add Children's cover to your policy, which can cover your (or your partner’s) financially dependent children under age 21.

No

For a small additional premium, you can add Children's cover to your policy, which can cover your (or your partner’s) financially dependent children under age 21.

Will there be an automatic 5% increase to my benefit amount each year?

The Age Based premium option includes an automatic 5% increase to your benefit amount each year, for 10 consecutive years from the start date of your policy. You can opt out of the 5% benefit amount increase should you wish to do so, however your premiums will still increase each year based on your age. With the Level premium option the benefit amount is fixed and does not change over time. This means that your benefit amount may not keep up with inflation.

The policy is a Level policy therefore the benefit amount will remain fixed and does not change over time. This means that your benefit amount may not keep up with inflation.

The policy includes an automatic 5% increase to your benefit amount each year, for 10 consecutive years from the start date of your policy. You can opt out of the 5% benefit amount increase should you wish to do so.

Am I covered for whole of life?

With the Age Based premium option, you are covered for whole of life, as long as all premiums are paid when due. With the Level premium option you can choose a term from 10 to 40 years.

As long as all premiums are paid when due.

No - the policy expires on the policy anniversary after you reach age 74.

Is the Policy flexible to make changes to it? E.g. increasing or decreasing your benefit amount.

You can apply to make changes to your policy without any additional administration charges.

You can apply to make changes to your policy without any additional administration charges. If you reduce your benefit amount, your Lifetime Payback Guarantee® amount will be reduced by the same proportion.

You can apply to make changes to your policy without any additional administration charges.

Am I eligible for Smart Cashback?

After the 12th successful monthly payment, we will give you back 10% of the premiums you have paid.

No

After the 12th successful monthly payment, we will give you back 10% of the premiums you have paid.

Does my policy have the Lifetime Payback Guarantee®?

No

Unlike other providers, your cover amount will never be less than the amount you have paid in.

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Smart Insurance® is a trading name of Neilson Financial Services Limited which is authorised and regulated by the Financial Conduct Authority and entered on the Financial Services register www.fsa.gov.uk/register/ under reference 594926. Neilson Financial Services Limited. Registered in England and Wales. Number 07986483. Registered Office: Landmark Place, Windsor Road, Slough, Berkshire SL1 1JL. All products are arranged by Smart Insurance and issued, underwritten and administered by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under reference 110002, with permission to effect and carry out contracts of insurance.